Personal Loans & Lines of Credit

Need cash? We can help, whether you have to cover a big expense or just need a little to hold you over.

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Compare Personal Loans & Lines of Credit

Three options with affordable rates, so you can borrow what you need and live the life you want, worry-free.

Lifestyle Loan

Personal Line of Credit

Cash Now Line of Credit

A fixed-rate loan with regular monthly payments Borrow what you need, when you need it A little extra cash to hold you over until payday
Borrow up to$50,000$30,000$500
Annual Percentage RateAs low as 12.49% APR1As low as 12.25% APR2Flat, fixed rate of 17.99% APR3
Type of creditInstallmentRevolvingRevolving
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Get the money you need and stop stressing

You can use your personal loan or line of credit for just about anything, including:

  • Home or car repairs
  • Unexpected expenses, like replacing your washing machine or paying the vet bill
  • Medical and dental expenses that aren’t covered by your health insurance
  • Consolidating debt
  • Tuition and other education costs
  • Special events like weddings and family vacations
  • Almost anything else you can think of



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Go beyond banking with resources and news to help you make informed financial decisions.


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1Your Annual Percentage Rate (APR) is determined based on creditworthiness and may be higher than the APR shown. Ask a loan officer for details on how your rate is determined. Payment example: A $1,000 loan at 12.49% APR for 12 months would have a monthly payment of approximately $89.08. Subject to credit approval.

2Rate is variable and may change. Your APR may be different than APR shown. It will be based on a determination of your creditworthiness. Please ask a loan officer for details on how your rate is determined. Subject to credit approval. Minimum monthly payment after each advance is 3% of outstanding balance or $25 minimum.

3Annual Percentage Rate (APR) is 17.99%. Repayment terms are 90 or 120 days based on loan amount. Payment frequency and amount varies based loan amount. To qualify, members must have a Georgia’s Own savings account, minimum of 90 days direct deposit history, proof of income, and accounts must be in good standing.